David John Fernandez

Wealth Engineering LLC is an independent, SEC-registered investment advisor and wealth management firm headquartered in Scottsdale, Arizona with an additional office in Glendale. The firm was founded by David “Dave” Fernandez in 2003. Wealth Engineering provides investment advice to individuals, families, pension and profit-sharing plans, trusts, estates, corporations or business entities.

The Vanguard Group, Inc. (VGI) is an independent, SEC-registered investment advisor and mutual fund manager headquartered in Malvern, Pennsylvania. The firm was founded in 1975 by John Bogle. In 1976, they introduced the first indexed mutual fund, the First Index Investment Trust (now known as the Vanguard 500 Index Fund), to individual investors. VGI provides investment advisory services to Vanguard family of funds and Vanguard's non-US clients, which are comprised of funds established as trusts under the laws of the Province of Ontario in Canada and separate account clients of Vanguard's international subsidiaries.